Best 48-Month CD Rates - October 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
48-month CD rates range from 4.07% to 5.10% APY, verified by MonitorBankRates as of October 12, 2026. Top 48-month CD rates currently available include Toyota Financial Savings BankToyota Financial Savings Bank2485 Village View Dr, Henderson, NV 89074A+5.0 ★Texas Ratio: 1.12%Real return: +2.30%APY minus CPI (February 2026) offering 48 Month CERTIFICATES OF DEPOSIT at 5.10% APY, and Edward Jones Trust CompanyEdward Jones Trust Company12555 Manchester Rd, Saint Louis, MO 63131A+5.0 ★Texas Ratio: 0.00%Real return: +2.30%APY minus CPI (February 2026) offering 4 Year FDIC-Insured Certificate of Deposit at 5.10% APY, and Raymond James BankRaymond James Bank710 Carillon Pkwy, Saint Petersburg, FL 33716A+5.0 ★Texas Ratio: 3.19%Real return: +2.30%APY minus CPI (February 2026) offering 48 Month Certificate at 5.10% APY, and Tower Federal Credit UnionTower Federal Credit Union7901 Sandy Spring Rd, Laurel, MD 20707A+5.0 ★Texas Ratio: 1.97%Real return: +2.20%APY minus CPI (February 2026) offering Mini-Jumbo IRA Share Certificate - 4 year at 5.00% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.
A 4-year CD is the longest standard CD term, designed for savers who want to maximize fixed yield and are comfortable locking in funds for the long term. It is often the highest-yielding option available and pairs naturally with retirement or long-term savings goals. We display Safety Grades, Star Ratings, and Texas Ratios so you can choose a stable institution with confidence.
The APYs displayed reflect actual verified offers. Rates are subject to change at the institution’s discretion without notice. A substantial penalty may be imposed for early withdrawal. 60-Month CD Rates Last Updated and Verified: October 12, 2026
Compare the Best 48-Month CD Rates Nationwide
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2485 Village View Dr, Henderson, NV 89074
48 Month CERTIFICATES OF DEPOSIT
$0
5.10%
▼
Rate5.00%
Min Deposit$0
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
1 change since Sep 24, 2026 · 4.84% → 5.10% ▲ 0.26 pts · high 5.10% / low 4.84%
- Oct 7, 20265.10%▲ from 4.84%
- Sep 24, 20264.84%first recorded
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
4 Year FDIC-Insured Certificate of Deposit
$0
5.10%
▼
Rate—
Min Deposit$0
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
3 changes since Sep 24, 2026 · 4.85% → 5.10% ▲ 0.25 pts · high 5.10% / low 4.85%
- Oct 7, 20265.10%▲ from 5.00%
- Oct 3, 20265.00%▲ from 4.95%
- Sep 27, 20264.95%▲ from 4.85%
- Sep 24, 20264.85%first recorded
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
48 Month Certificate
$2,000
5.10%
▼
Rate4.97%
Min Deposit$2,000
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Oct 7, 2026 · 5.10% APY · checked 2 times
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Mini-Jumbo IRA Share Certificate - 4 year
$20,000
5.00%
▼
Rate4.88%
Min Deposit$20,000
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Oct 6, 2026 · 4.55% → 5.00% ▲ 0.45 pts · high 5.00% / low 4.55%
- Oct 10, 20265.00%▲ from 4.55%
- Oct 6, 20264.55%first recorded
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA - 3 and 4 year
$0
5.00%
▼
Rate—
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 3 times
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
14111 Scottslawn Rd, Marysville, OH 43040
IRA Certificate - 48 Month
$500
4.97%
▼
Rate4.80%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.97% APY
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
48 Month Certificate
$0
4.95%
▼
Rate4.83%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Oct 6, 2026 · 4.95% APY · checked 2 times
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
3988 West Delphi Road, Sweetser, IN 46987
48 Month Certificate of Deposit
$1,000
4.83%
▼
Rate4.75%
Min Deposit$1,000
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
2 changes since Sep 11, 2026 · 3.29% → 4.83% ▲ 1.54 pts · high 4.83% / low 3.29%
- Oct 3, 20264.83%▲ from 4.32%
- Sep 24, 20264.32%▲ from 3.29%
- Sep 11, 20263.29%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
Share Certificates - 48 Month
$0
4.80%
▼
Rate4.70%
Min Deposit$0
UpdatedOct 12, 2026
Details
Type: Regular/IRA; Dividends compound & paid: Daily
Rate History
1 change since Sep 14, 2026 · 4.31% → 4.80% ▲ 0.49 pts · high 4.80% / low 4.31%
- Oct 12, 20264.80%▲ from 4.31%
- Sep 14, 20264.31%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
4 Year Business Certificate
$500
4.75%
▼
Rate4.64%
Min Deposit$500
UpdatedOct 10, 2026
Details
Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.
Rate History
1 change since Sep 27, 2026 · 4.10% → 4.75% ▲ 0.65 pts · high 4.75% / low 4.10%
- Oct 6, 20264.75%▲ from 4.10%
- Sep 27, 20264.10%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
48-MONTH CERTIFICATE
$100,000
4.75%
▼
Rate4.65%
Min Deposit$100,000
UpdatedOct 9, 2026
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 4.08% → 4.75% ▲ 0.67 pts · high 4.75% / low 4.08%
- Oct 9, 20264.75%▲ from 4.08%
- Sep 14, 20264.08%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
48 Month elite jumbo cd
$250,000
4.75%
▼
Rate—
Min Deposit$250,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
- Oct 5, 20264.75%▲ from 4.25%
- Sep 21, 20264.25%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
4 Year Certificates of Deposit (CDs)
$100
4.74%
▼
Rate4.69%
Min Deposit$100
UpdatedOct 12, 2026
Details
Balance: $100,000+
Rate History
1 change since Sep 14, 2026 · 4.42% → 4.74% ▲ 0.32 pts · high 4.74% / low 4.42%
- Sep 24, 20264.74%▲ from 4.42%
- Sep 14, 20264.42%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
Relationship CD - 48 Month
$0
4.70%
▼
Rate4.62%
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
- Sep 24, 20264.70%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1509 4th Ave S, Birmingham, AL 35233 1612
48 Month Certificate
$500
4.70%
▼
Rate4.70%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
- Oct 9, 20264.70%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificate - 48 Months
$0
4.70%
▼
Rate4.60%
Min Deposit$0
UpdatedOct 12, 2026
Details
Penalty: 180 Days1
Rate History
No change since Oct 8, 2026 · 4.70% APY · checked 2 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
48 Months Jumbo IRA
$100,000
4.65%
▼
Rate4.55%
Min Deposit$100,000
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.55% → 4.65% ▲ 0.10 pts · high 4.65% / low 4.55%
- Sep 27, 20264.65%▲ from 4.55%
- Sep 14, 20264.55%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
Print Share and IRA Jumbo Certificates - 48 Mo.
$0
4.63%
▼
Rate—
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.12% → 4.63% ▲ 0.51 pts · high 4.63% / low 4.12%
- Sep 22, 20264.63%▲ from 4.12%
- Sep 14, 20264.12%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
800 Wayne Ave, Chambersburg, PA 17201 3810
48 Month Share Certificate
$0
4.60%
▼
Rate—
Min Deposit$0
UpdatedOct 9, 2026
Details
Balance: $250,000.01+
Rate History
No change since Oct 5, 2026 · 4.60% APY · checked 2 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
4 Year Business CD
$5,000
4.60%
▼
Rate—
Min Deposit$5,000
UpdatedOct 9, 2026
Details
Balance: $1,000,000.00+
Rate History
3 changes since Sep 18, 2026 · 4.00% → 4.60% ▲ 0.60 pts · high 4.60% / low 4.00%
- Oct 5, 20264.60%▲ from 4.30%
- Oct 1, 20264.30%▲ from 4.25%
- Sep 22, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
48 Month 75th Anniversary Certificates of Deposit
$7,500
4.58%
▼
Rate—
Min Deposit$7,500
UpdatedOct 10, 2026
Details
Get complete details here
Rate History
No change since Oct 10, 2026 · 4.58% APY
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3845 Angola Rd, Toledo, OH 43615
48 Month IRA Certificate
$0
4.58%
▼
Rate4.50%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 22, 2026 · 3.80% → 4.58% ▲ 0.78 pts · high 4.58% / low 3.80%
- Oct 10, 20264.58%▲ from 3.80%
- Sep 22, 20263.80%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
48 Month Certificate of Deposit
$0
4.58%
▼
Rate4.50%
Min Deposit$0
UpdatedOct 7, 2026
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
- Oct 7, 20264.58%▲ from 4.37%
- Sep 18, 20264.37%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
and up - 48 months
$0
4.55%
▼
Rate—
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Oct 6, 2026 · 4.55% APY · checked 2 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
48 Month Jumbo Certificate
$0
4.55%
▼
Rate4.46%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Oct 8, 2026 · 4.55% APY · checked 2 times
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
17273 State Route 104, Chillicothe, OH 45601 9718
48 Month Certificate of Deposit
$500
4.55%
▼
Rate4.45%
Min Deposit$500
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Sep 25, 2026 · 4.55% APY · checked 3 times
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
15750 W Dodge Rd, Omaha, NE 68118
48 Month CD
$500
4.55%
▼
Rate4.47%
Min Deposit$500
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Sep 20, 2026 · 4.55% APY · checked 6 times
Cornerstone State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
500 Main St, Madison Lake, MN 56063
IRA 36-48 month C.D.
$500
4.55%
▼
Rate4.50%
Min Deposit$500
UpdatedOct 7, 2026
Details
Balance: $75,000 to $199,999.99
Rate History
No change since Oct 7, 2026 · 4.55% APY
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
4 Year Certificate of Deposit
$1,000
4.55%
▼
Rate4.45%
Min Deposit$1,000
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
- Sep 28, 20264.55%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
48 Months Certificate
$50
4.50%
▼
Rate—
Min Deposit$50
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 9, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
48 Month CD
$0
4.50%
▼
Rate4.50%
Min Deposit$0
UpdatedOct 12, 2026
Details
Balance: $10,000+
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 5 times
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
508 State St, Fremont, MI 49412
48 Month Share Certificates
$0
4.50%
▼
Rate4.41%
Min Deposit$0
UpdatedOct 12, 2026
Details
Rates effective October 1, 2026
Rate History
No change since Sep 12, 2026 · 4.50% APY · checked 5 times
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
48 Month Share Certificate
$0
4.50%
▼
Rate4.41%
Min Deposit$0
UpdatedOct 7, 2026
Details
Balance: $1,000
Rate History
1 change since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
- Sep 27, 20264.50%▲ from 4.20%
- Sep 18, 20264.20%first recorded
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
5070 Peachtree Industrial Blvd, Peachtree Corners, GA 30071 1587
4 Year Share Certificates/CDs
$500
4.50%
▼
Rate4.43%
Min Deposit$500
UpdatedOct 12, 2026
Details
$500.00 and above; Special promotional as-high-as rate (footnote **); early withdrawal penalty applies
Rate History
1 change since Sep 12, 2026 · 3.15% → 4.50% ▲ 1.35 pts · high 4.50% / low 3.15%
- Oct 4, 20264.50%▲ from 3.15%
- Sep 12, 20263.15%first recorded
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME 04240
4 Year Certificate
$500
4.50%
▼
Rate4.41%
Min Deposit$500
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 25, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 4, 20264.50%▲ from 4.00%
- Sep 25, 20264.00%first recorded
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
4091 Mount Royal Blvd, Allison Park, PA 15101
Business 4 Year CD
$0
4.49%
▼
Rate4.40%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
2 changes since Sep 14, 2026 · 4.23% → 4.49% ▲ 0.26 pts · high 4.49% / low 4.23%
- Oct 8, 20264.49%▲ from 4.28%
- Sep 24, 20264.28%▲ from 4.23%
- Sep 14, 20264.23%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
4 Year Certificate
$90,000
4.49%
▼
Rate4.40%
Min Deposit$90,000
UpdatedOct 12, 2026
Details
Jumbo/Min. $90,000
Rate History
No change since Oct 8, 2026 · 4.49% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates - 4 years
$0
4.47%
▼
Rate4.38%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 4.12% → 4.47% ▲ 0.35 pts · high 4.47% / low 4.12%
- Oct 1, 20264.47%▲ from 4.12%
- Sep 18, 20264.12%first recorded
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
8310 O St, Lincoln, NE 68510
48 Month Certificate
$1,000
4.46%
▼
Rate—
Min Deposit$1,000
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 30, 2026 · 4.07% → 4.46% ▲ 0.39 pts · high 4.46% / low 4.07%
- Oct 6, 20264.46%▲ from 4.07%
- Sep 30, 20264.07%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1868 S 500 W, Woods Cross, UT 84010
48 Month Certificate
$500
4.45%
▼
Rate4.36%
Min Deposit$500
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Oct 7, 2026 · 4.45% APY · checked 2 times
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
48 Month Certificate
$500
4.45%
▼
Rate4.36%
Min Deposit$500
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Oct 6, 2026 · 4.45% APY · checked 2 times
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
241 E Saginaw St, East Lansing, MI 48823
48 Month Certificate of Deposit
$0
4.45%
▼
Rate4.38%
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.45% ▲ 0.25 pts · high 4.45% / low 4.20%
- Oct 2, 20264.45%▲ from 4.30%
- Sep 24, 20264.30%▲ from 4.20%
- Sep 18, 20264.20%first recorded
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
200 E South Temple, Salt Lake City, UT 84111
Traditional and IRA Term Deposit - 48-Month
$2,000
4.45%
▼
Rate—
Min Deposit$2,000
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 2 times
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
711 Beaver Creek Rd, Piketon, OH 45661
48 Month Certificate
$0
4.45%
▼
Rate4.35%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.45% ▲ 0.80 pts · high 4.45% / low 3.65%
- Oct 9, 20264.45%▲ from 3.65%
- Sep 14, 20263.65%first recorded
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
1111 Country Club Rd, Middletown, CT 06457 2389
48 Month Certificate
$0
4.44%
▼
Rate4.35%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
- Oct 9, 20264.44%▲ from 4.18%
- Sep 14, 20264.18%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
3030 S Adrian Hwy, Adrian, MI 49221
48 Month CD
$0
4.42%
▼
Rate4.35%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.01% → 4.42% ▲ 0.41 pts · high 4.42% / low 4.01%
- Oct 9, 20264.42%▲ from 4.01%
- Sep 14, 20264.01%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
48 Month Certificate
$100,000
4.40%
▼
Rate4.35%
Min Deposit$100,000
UpdatedOct 7, 2026
Details
Balance: $100,000 and above
Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2640 W Court St, Janesville, WI 53548
Jumbo Share or IRA Certificate (4 Year)
$10,000
4.40%
▼
Rate4.33%
Min Deposit$10,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 3 times
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
10461 White Granite Dr, Oakton, VA 22124
4 Year Certificate - Special Rate
$1,000
4.40%
▼
Rate—
Min Deposit$1,000
UpdatedOct 12, 2026
Details
Special Rate (APY)
Rate History
No change since Oct 12, 2026 · 4.40% APY
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
48 Month CD or IRA CD
$500
4.40%
▼
Rate4.33%
Min Deposit$500
UpdatedOct 7, 2026
Details
Interest paid quarterly
Rate History
No change since Sep 8, 2026 · 4.40% APY · checked 8 times
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CDs - 48 Months
$0
4.40%
▼
Rate4.31%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
- Oct 6, 20264.40%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
48 Month Certificates
$500
4.40%
▼
Rate4.33%
Min Deposit$500
UpdatedOct 9, 2026
Details
Balance: $100,000 and over
Rate History
No change since Sep 21, 2026 · 4.40% APY · checked 2 times
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2400 N Grandview Blvd, Waukesha, WI 53188
4 Year Certificate
$0
4.40%
▼
Rate4.31%
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
2133 E Center St, Pocatello, ID 83201 2616
Share Certificates - 48 months
$0
4.40%
▼
Rate4.32%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Oct 12, 2026 · 4.40% APY
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
4 years High-Yield CD
$500
4.40%
▼
Rate—
Min Deposit$500
UpdatedOct 10, 2026
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
341 Englewood Ave, Buffalo, NY 14223 2819
48 Month Certificate of Deposit
$1,000
4.40%
▼
Rate—
Min Deposit$1,000
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 25, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 12, 20264.40%▲ from 4.30%
- Sep 25, 20264.30%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
48-Month CD
$50,000
4.39%
▼
Rate4.30%
Min Deposit$50,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.39% ▲ 0.63 pts · high 4.39% / low 3.76%
- Oct 5, 20264.39%▲ from 3.76%
- Sep 14, 20263.76%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
4 Year Share Certificate
$0
4.39%
▼
Rate4.25%
Min Deposit$0
UpdatedOct 9, 2026
Details
Credit Quarterly
Rate History
No change since Oct 9, 2026 · 4.39% APY
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
48 Month Traditional IRA Share Certificate
$0
4.39%
▼
Rate4.30%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.66% → 4.39% ▲ 0.73 pts · high 4.39% / low 3.66%
- Oct 9, 20264.39%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
48 Month CD
$0
4.38%
▼
Rate4.25%
Min Deposit$0
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
1 change since Sep 19, 2026 · 3.08% → 4.38% ▲ 1.30 pts · high 4.38% / low 3.08%
- Oct 3, 20264.38%▲ from 3.08%
- Sep 19, 20263.08%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
501 Main St, Milligan, NE 68406
48 Month Certificate of Deposit
$0
4.37%
▼
Rate4.30%
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Sep 19, 2026 · 4.37% APY · checked 2 times
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
1419 N 2nd St, Ishpeming, MI 49849 1149
48 Month Jumbo Share Certificates
$100,000
4.37%
▼
Rate4.30%
Min Deposit$100,000
UpdatedOct 12, 2026
Details
Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.06% → 4.37% ▲ 0.31 pts · high 4.37% / low 4.06%
- Oct 4, 20264.37%▲ from 4.06%
- Sep 12, 20264.06%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
48-Month Super Jumbo Certificate
$225,000
4.37%
▼
Rate4.30%
Min Deposit$225,000
UpdatedOct 12, 2026
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22%
- Oct 4, 20264.37%▲ from 4.22%
- Sep 14, 20264.22%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
48 Month Term Share (Certificate) / IRA
$0
4.36%
▼
Rate4.28%
Min Deposit$0
UpdatedOct 7, 2026
Details
Balance: $99,000 and over
Rate History
1 change since Sep 18, 2026 · 3.96% → 4.36% ▲ 0.40 pts · high 4.36% / low 3.96%
- Oct 2, 20264.36%▲ from 3.96%
- Sep 18, 20263.96%first recorded
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
402 Lincoln Ave, Hebron, NE 68370
48 Month CD
$0
4.36%
▼
Rate4.28%
Min Deposit$0
UpdatedOct 11, 2026
Details
Balance: $75,000.00 and up
Rate History
1 change since Sep 11, 2026 · 4.25% → 4.36% ▲ 0.11 pts · high 4.36% / low 4.25%
- Oct 3, 20264.36%▲ from 4.25%
- Sep 11, 20264.25%first recorded
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
1040 N Main St, Sheboygan Falls, WI 53085
4 Year Share Certificate
$0
4.35%
▼
Rate4.28%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 3.10% → 4.35% ▲ 1.25 pts · high 4.35% / low 3.10%
- Oct 9, 20264.35%▲ from 3.10%
- Sep 18, 20263.10%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
48 Month CD
$25,000
4.35%
▼
Rate4.28%
Min Deposit$25,000
UpdatedOct 10, 2026
Details
Term: 48 Month ($25,000 or more)
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Sep 22, 20264.35%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
6801 S Cimarron Rd, Las Vegas, NV 89113
48 Month High Yield Jumbo CD
$0
4.35%
▼
Rate—
Min Deposit$0
UpdatedOct 7, 2026
Details
Loyalty Rates: 0.05%
Rate History
No change since Sep 27, 2026 · 4.35% APY · checked 5 times
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
Jumbo IRA Certificate - 4 Year
$0
4.35%
▼
Rate4.27%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1617 W 7th St, Fort Worth, TX 76102
48 Month Jumbo CD
$50,000
4.35%
▼
Rate4.27%
Min Deposit$50,000
UpdatedOct 10, 2026
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
Rate History
No change since Sep 22, 2026 · 4.35% APY · checked 4 times
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
3012 S 1900 W, Ogden, UT 84401
48 Month Share Certificate
$500
4.35%
▼
Rate4.26%
Min Deposit$500
UpdatedOct 9, 2026
Details
Paid Monthly
Rate History
1 change since Sep 21, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%
- Oct 9, 20264.35%▲ from 4.20%
- Sep 21, 20264.20%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates - 48 Months
$500
4.35%
▼
Rate4.26%
Min Deposit$500
UpdatedOct 12, 2026
Details
Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
4 Year Certificate
$1,000
4.35%
▼
Rate4.27%
Min Deposit$1,000
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
48 Months CD
$0
4.35%
▼
Rate4.27%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70%
- Oct 10, 20264.35%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
203 Main St, Thomaston, CT 06787
48 Month Business Certificate of Deposit - Fixed Rate
$1,000
4.35%
▼
Rate4.27%
Min Deposit$1,000
UpdatedOct 11, 2026
Details
Interest Rate $1,000 - $249,999.99 Daily balance to earn APY
Rate History
1 change since Sep 19, 2026 · 3.45% → 4.35% ▲ 0.90 pts · high 4.35% / low 3.45%
- Oct 7, 20264.35%▲ from 3.45%
- Sep 19, 20263.45%first recorded
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
300 W Vine St, Lexington, KY 40507
Certificate of Deposit - 4 Years
$500
4.35%
▼
Rate4.26%
Min Deposit$500
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
4 Year Certificate
$500
4.35%
▼
Rate4.25%
Min Deposit$500
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.09% → 4.35% ▲ 0.26 pts · high 4.35% / low 4.09%
- Sep 24, 20264.35%▲ from 4.09%
- Sep 14, 20264.09%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
147 26th st, Ogden, UT 84401
48 Month Certificate
$500
4.35%
▼
Rate4.27%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 5, 20264.35%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3777 West Rd, East Lansing, MI 48823 8029
4-Year Certificate or IRA-HSA Jumbo
$100,000
4.35%
▼
Rate—
Min Deposit$100,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Sep 25, 20264.35%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
175 Hopper Ave, De Kalb, MS 39328
Business 48 Months
$0
4.35%
▼
Rate—
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 48 Months
$25,000
4.33%
▼
Rate4.25%
Min Deposit$25,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.77% → 4.33% ▲ 0.56 pts · high 4.33% / low 3.77%
- Oct 9, 20264.33%▲ from 3.77%
- Sep 14, 20263.77%first recorded
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6 LYNAM ST, WILMINGTON, DE 19804
48 mo Certificate
$1,000
4.32%
▼
Rate4.25%
Min Deposit$1,000
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Oct 8, 2026 · 4.32% APY · checked 2 times
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3251 BROADWAY St, CHEEKTOWAGA, NY 14227 1033
Share Certificates - 4 years
$0
4.32%
▼
Rate4.25%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.32% APY
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month Dream Fund CD
$100
4.32%
▼
Rate4.25%
Min Deposit$100
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
No change since Sep 11, 2026 · 4.32% APY · checked 7 times
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1929 S Cedar Ave, Owatonna, MN 55060 4301
48 Month Certificate
$0
4.31%
▼
Rate4.25%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.21% → 4.31% ▲ 0.10 pts · high 4.31% / low 4.21%
- Oct 9, 20264.31%▲ from 4.21%
- Sep 14, 20264.21%first recorded
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
48 Month Certificate
$50,000
4.31%
▼
Rate4.31%
Min Deposit$50,000
UpdatedOct 7, 2026
Details
Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted
Rate History
2 changes since Sep 14, 2026 · 3.98% → 4.31% ▲ 0.33 pts · high 4.31% / low 3.98%
- Oct 7, 20264.31%▲ from 4.18%
- Sep 24, 20264.18%▲ from 3.98%
- Sep 14, 20263.98%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
Certificate IRA (Traditional & Roth) - 48 Month
$0
4.31%
▼
Rate4.24%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Oct 10, 2026 · 4.31% APY
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
48 Month Certificate
$500
4.30%
▼
Rate4.21%
Min Deposit$500
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Sep 18, 20264.30%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Citizens Bank & Trust Company KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
201 E Main St, Campbellsville, KY 42718
4 Year Certificate of Deposit
$500
4.30%
▼
Rate4.30%
Min Deposit$500
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Sep 20, 2026 · 4.30% APY · checked 6 times
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
48 Month IRA CD
$0
4.30%
▼
Rate4.22%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.30% APY
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
1020 S Brawley Ave, Brawley, CA 92227
48 Month Jumbo Certificate
$100,000
4.30%
▼
Rate4.22%
Min Deposit$100,000
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 5 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1680 Capital One Dr, Mclean, VA 22102
48 Month 360 CDs
$0
4.30%
▼
Rate—
Min Deposit$0
UpdatedOct 7, 2026
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
26 W 7th Ave, Webster, SD 57274
4 Year Certificate
$500
4.30%
▼
Rate4.23%
Min Deposit$500
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
48 Month Certificates & IRA Certificates
$0
4.30%
▼
Rate4.30%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.30% APY
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
211 W Center St, Alma, MI 48801 2206
48 Month Certificate
$0
4.28%
▼
Rate4.20%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 3.87% → 4.28% ▲ 0.41 pts · high 4.28% / low 3.87%
- Oct 9, 20264.28%▲ from 3.87%
- Sep 18, 20263.87%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
48 Month Jumbo Share Certificate
$0
4.28%
▼
Rate4.20%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.28% ▲ 0.68 pts · high 4.28% / low 3.60%
- Oct 5, 20264.28%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
4050 Alpha Rd Ste 120, Farmers Branch, TX 75244
48 Month Jumbo or IRA CD
$25,000
4.28%
▼
Rate4.20%
Min Deposit$25,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.28% APY
Capstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
3 POLARIS WAY STE 31B, ALISO VIEJO, CA 92656
4 Year Certificate
$1,000
4.28%
▼
Rate4.20%
Min Deposit$1,000
UpdatedOct 12, 2026
Details
Minimum = $1,000; Jumbo certificates over $75,000.00 APY 4.49% (add .20%)
Rate History
1 change since Sep 12, 2026 · 2.53% → 4.28% ▲ 1.75 pts · high 4.28% / low 2.53%
- Oct 8, 20264.28%▲ from 2.53%
- Sep 12, 20262.53%first recorded
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
400 Main St, Greenfield, MA 01301
48 Month Certificate
$1,000
4.28%
▼
Rate4.20%
Min Deposit$1,000
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
1 change since Sep 19, 2026 · 3.04% → 4.28% ▲ 1.24 pts · high 4.28% / low 3.04%
- Oct 3, 20264.28%▲ from 3.04%
- Sep 19, 20263.04%first recorded
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
4 Year CD
$1,000
4.27%
▼
Rate4.20%
Min Deposit$1,000
UpdatedOct 12, 2026
Details
Balance: $100,000 & over
Rate History
2 changes since Sep 20, 2026 · 4.16% → 4.27% ▲ 0.11 pts · high 4.27% / low 4.16%
- Oct 3, 20264.27%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 20, 20264.16%first recorded
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
10903 New Hampshire Ave, Silver Spring, MD 20993
48 Month Share Certificate
$1,000
4.27%
▼
Rate4.19%
Min Deposit$1,000
UpdatedOct 12, 2026
Details
APY is based on a $1,000 deposit and may vary based on the amount of deposit.
Rate History
1 change since Sep 25, 2026 · 3.70% → 4.27% ▲ 0.57 pts · high 4.27% / low 3.70%
- Oct 4, 20264.27%▲ from 3.70%
- Sep 25, 20263.70%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
296 E CENTER STREET, MONTICELLO, UT 84535
48 Month Certificate
$500
4.27%
▼
Rate4.20%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 3.65% → 4.27% ▲ 0.62 pts · high 4.27% / low 3.65%
- Oct 5, 20264.27%▲ from 3.65%
- Sep 18, 20263.65%first recorded
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
225 RIVER RD, MEXICO, ME 04257
48 Month Certificate
$1,000
4.25%
▼
Rate—
Min Deposit$1,000
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 25, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
- Oct 4, 20264.25%▲ from 3.95%
- Sep 25, 20263.95%first recorded
Heritage Community Bank Union, MO
Institution Rating:
B4.5 ★Texas Ratio: 21.03%
100 E Locust St, Union, MO 63084
48 Month Certificate
$0
4.25%
▼
Rate4.16%
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Sep 7, 2026 · 4.25% APY · checked 7 times
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 4 Year Certificate of Deposit
$100,000
4.25%
▼
Rate4.18%
Min Deposit$100,000
UpdatedOct 12, 2026
Details
Interest Compounded: Quarterly; Interest Credited: Quarterly
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
3059 Joppa Ave S, Saint Louis Park, MN 55416
48 Month Certificate
$0
4.25%
▼
Rate4.18%
Min Deposit$0
UpdatedOct 11, 2026
Details
Create Account
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Traditional/Roth IRA Share Certificate - 48 Month
$35,000
4.25%
▼
Rate4.17%
Min Deposit$35,000
UpdatedOct 9, 2026
Details
Standard Dividend Rate: 3.930%, Standard *A.P.Y.: 4.00%. Minimum balance required to open account and earn the stated APY= $1,000/Standard. $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.
Rate History
No change since Oct 9, 2026 · 4.25% APY
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
48 Month Certificate
$1,000
4.25%
▼
Rate4.16%
Min Deposit$1,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.25% APY
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
48 Month CD
$0
4.25%
▼
Rate4.16%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 1, 20264.25%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
4 Year Term Share Certificate
$500
4.25%
▼
Rate4.17%
Min Deposit$500
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 25, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 4, 20264.25%▲ from 3.75%
- Sep 25, 20263.75%first recorded
URSB United Roosevelt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
11 15 Cooke Ave, Carteret, NJ 07008
48 Month CD
$500
4.25%
▼
Rate4.17%
Min Deposit$500
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
610 SW 10th Ave, Topeka, KS 66612
48 Month Business Certificate
$0
4.25%
▼
Rate4.17%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.25% APY
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
48 Month View Today's Full List of CD Offerings here
$100,000
4.25%
▼
Rate—
Min Deposit$100,000
UpdatedOct 11, 2026
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
48 Month Certificate
$500
4.25%
▼
Rate4.18%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 7 times
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY 14108 9740
48 Month Share Certificates & IRA Certificates
$0
4.25%
▼
Rate4.17%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
- Oct 9, 20264.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
2665 Reserve Rd, Houghton Lake, MI 48629
48 MONTH CD
$50,000
4.25%
▼
Rate—
Min Deposit$50,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
- Oct 9, 20264.25%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
815 N Freedom Blvd, Provo, UT 84604 3315
48 Month Term Share Certificate
$1,000
4.25%
▼
Rate4.18%
Min Deposit$1,000
UpdatedOct 9, 2026
Details
Minimum: $1,000 required to open regular and IRA certificate accounts. $500 required to open youth certificate accounts.; Dividend Frequency: Quarterly
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 26, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
155 W Wisconsin Ave, Oconomowoc, WI 53066
48 Month CD / IRA
$1,000
4.25%
▼
Rate4.18%
Min Deposit$1,000
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 2.40% → 4.25% ▲ 1.85 pts · high 4.25% / low 2.40%
- Oct 2, 20264.25%▲ from 2.40%
- Sep 14, 20262.40%first recorded
American First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
4180 N Harbor Blvd Ste A, Fullerton, CA 92835 1015
48 Month Promo Certificate
$1,000
4.25%
▼
Rate4.16%
Min Deposit$1,000
UpdatedOct 10, 2026
Details
Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.
Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 4 times
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3876 W Center view Way, West Jordan, UT 84084
48 month Certificate (CD)
$0
4.25%
▼
Rate4.17%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
- Sep 25, 20264.25%▲ from 4.20%
- Sep 14, 20264.20%first recorded
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
48 Month Certificate
$0
4.25%
▼
Rate4.18%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 9, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
832 Cleveland St, Elyria, OH 44035 4141
48 Month Certificate/IRA
$500
4.25%
▼
Rate—
Min Deposit$500
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
- Oct 10, 20264.25%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
7288 Highway 509, Mansfield, LA 71052
48 Month Share Certificate/IRA Share Certificate
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
UpdatedOct 12, 2026
Details
Minimum opening deposit is $1,000; Rates effective as of 10/6/2026
Rate History
No change since Oct 12, 2026 · 4.25% APY
Exchange State Bank Ames, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
823 Wheeler St, Ames, IA 50010
48 Month Certificate
$10,000
4.25%
▼
Rate4.21%
Min Deposit$10,000
UpdatedOct 11, 2026
Details
Balance: $10,000
Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 5 times
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
48 Months Jumbo CD
$0
4.25%
▼
Rate—
Min Deposit$0
UpdatedOct 10, 2026
Details
Jumbo CD - min $50,000. A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 30, 2026 · 4.25% APY · checked 3 times
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
48 Month Super Share & IRA Certificate
$0
4.25%
▼
Rate4.17%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Oct 12, 2026 · 4.25% APY
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
Share Certificate - 48 Month
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
UpdatedOct 12, 2026
Details
Minimum to open $1,000.00
Rate History
No change since Oct 12, 2026 · 4.25% APY
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
48-MONTH CD
$0
4.25%
▼
Rate4.16%
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
419 Rutherford Ave NE, Roanoke, VA 24022
4 Year Term IRA Certificate
$500
4.25%
▼
Rate4.18%
Min Deposit$500
UpdatedOct 10, 2026
Details
Minimum: $500 minimum opening balance
Rate History
No change since Oct 10, 2026 · 4.25% APY
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
3000 N University Dr, Sunrise, FL 33322 1611
48 Month Term Jumbo Certificate
$0
4.25%
▼
Rate4.17%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
- Oct 10, 20264.25%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Marshfield Medical Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
302 W Upham St, Marshfield, WI 54449 1461
48 Month Certificates
$0
4.24%
▼
Rate—
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Sep 26, 2026 · 4.24% APY · checked 4 times
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
94 HIGHLAND AVE, WINTHROP, ME 04364
48 Month Share Certificate
$500
4.24%
▼
Rate4.15%
Min Deposit$500
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 22, 2026 · 3.71% → 4.24% ▲ 0.53 pts · high 4.24% / low 3.71%
- Oct 6, 20264.24%▲ from 3.71%
- Sep 22, 20263.71%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
IRA 48 Month Certificate
$0
4.23%
▼
Rate—
Min Deposit$0
UpdatedOct 10, 2026
Details
Jumbo IRA
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 6 times
Seaport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
5080 McLester St, Elizabeth, NJ 07201
48 Month Certificate
$500
4.23%
▼
Rate4.15%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.23% APY
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1425 E WINDMILL LN, LAS VEGAS, NV 89123 1901
48 Month Level Up Certificates and IRA Certificates
$500
4.23%
▼
Rate4.15%
Min Deposit$500
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Oct 10, 2026 · 4.23% APY
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
253 High St, Hartford, CT 06103
4 Year Term Share Certificate
$0
4.23%
▼
Rate4.15%
Min Deposit$0
UpdatedOct 12, 2026
Details
Effective 10/01/2026
Rate History
1 change since Sep 25, 2026 · 3.92% → 4.23% ▲ 0.31 pts · high 4.23% / low 3.92%
- Oct 4, 20264.23%▲ from 3.92%
- Sep 25, 20263.92%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
48 Month Certificate
$0
4.23%
▼
Rate4.15%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 24, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
48 Month Certificate of Deposit (CD)
$0
4.22%
▼
Rate4.15%
Min Deposit$0
UpdatedOct 11, 2026
Details
Balance: >= $150,000
Rate History
1 change since Sep 14, 2026 · 2.88% → 4.22% ▲ 1.34 pts · high 4.22% / low 2.88%
- Sep 24, 20264.22%▲ from 2.88%
- Sep 14, 20262.88%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo - 48 Month to 59 Month
$0
4.22%
▼
Rate4.16%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Oct 5, 2026 · 4.17% → 4.22% ▲ 0.05 pts · high 4.22% / low 4.17%
- Oct 9, 20264.22%▲ from 4.17%
- Oct 5, 20264.17%first recorded
F&M Bank Piedmont, AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
112 E Ladiga St, Piedmont, AL 36272
4 Year C.D.
$1,000
4.22%
▼
Rate4.15%
Min Deposit$1,000
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
No change since Sep 24, 2026 · 4.22% APY · checked 5 times
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
48 Month Certificate
$1,000
4.22%
▼
Rate4.15%
Min Deposit$1,000
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
1 change since Oct 7, 2026 · 3.70% → 4.22% ▲ 0.52 pts · high 4.22% / low 3.70%
- Oct 11, 20264.22%▲ from 3.70%
- Oct 7, 20263.70%first recorded
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4415 5th Ave, Pittsburgh, PA 15213
Certificates of Deposit - 4 year
$2,000
4.21%
▼
Rate4.15%
Min Deposit$2,000
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Oct 12, 2026 · 4.21% APY
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
4 years up to 5 (Apply Online)
$1,000
4.20%
▼
Rate4.14%
Min Deposit$1,000
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 3 times
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
4185 Harrison Blvd, Ogden, UT 84403
48 Month CD
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
280 E 12300 S, Draper, UT 84020
Certificates / IRA Certificates / Roth IRA Certificates - 48 months
$0
4.20%
▼
Rate4.12%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- Oct 5, 20264.20%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
724 Front St, Cashton, WI 54619
4 Year IRA CD
$25,000
4.20%
▼
Rate4.14%
Min Deposit$25,000
UpdatedOct 11, 2026
Details
A penalty of 182 days of interest may be imposed for all other CD terms unless specified differently. APY is subject to change without prior notice.
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 3, 20264.20%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
48 Month Jumbo Certificates
$0
4.20%
▼
Rate4.13%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
- Oct 4, 20264.20%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9260 S 300 E, Sandy, UT 84070
48 Month Certificate Account
$500
4.20%
▼
Rate4.12%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 5, 20264.20%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
654 SOUTHWAY AVE, LEWISTON, ID 83501
48 Month Certificate
$0
4.20%
▼
Rate—
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 10, 20264.20%▲ from 3.80%
- Sep 14, 20263.80%first recorded
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
4361 Youree Dr, Shreveport, LA 71105
48-Month Share & IRA Certificate
$1,000
4.20%
▼
Rate4.12%
Min Deposit$1,000
UpdatedOct 12, 2026
Details
Share & IRA Certificate; fixed rate
Rate History
No change since Oct 12, 2026 · 4.20% APY
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
4-Year Certificate
$500
4.20%
▼
Rate4.12%
Min Deposit$500
UpdatedOct 12, 2026
Details
Penalties for early withdrawals may apply. Fees may reduce earnings on the account.
Rate History
1 change since Sep 25, 2026 · 4.12% → 4.20% ▲ 0.08 pts · high 4.20% / low 4.12%
- Oct 4, 20264.20%▲ from 4.12%
- Sep 25, 20264.12%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
48 Month IRA Term Share Accounts/Certificates of Deposit
$95,000
4.20%
▼
Rate4.11%
Min Deposit$95,000
UpdatedOct 10, 2026
Details
Balance: $95,000+; JUMBO
Rate History
1 change since Sep 22, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
- Oct 10, 20264.20%▲ from 3.90%
- Sep 22, 20263.90%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
48 Month Business Jumbo Share Certificates
$0
4.20%
▼
Rate4.11%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Sep 17, 2026 · 4.20% APY · checked 6 times
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
3003 2nd St, Rainbow City, AL 35906 5979
48 Months Share Certificate
$500
4.20%
▼
Rate4.14%
Min Deposit$500
UpdatedOct 10, 2026
Details
48 Months*
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4926 La Cuenta Dr, San Diego, CA 92124 2609
48 Month Share Certificate
$0
4.20%
▼
Rate4.13%
Min Deposit$0
UpdatedOct 5, 2026
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 5 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
48 Month Certificates and IRA Certificates
$100,000
4.18%
▼
Rate4.10%
Min Deposit$100,000
UpdatedOct 9, 2026
Details
APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
No change since Oct 9, 2026 · 4.18% APY
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
338 S Patterson Blvd, Dayton, OH 45402 2845
48 Month Share Certificate
$0
4.18%
▼
Rate4.10%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Sep 25, 2026 · 4.18% APY · checked 4 times
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1345 Washington Ave, Portland, ME 04103
48 Month IRA Share Certificate
$0
4.18%
▼
Rate4.10%
Min Deposit$0
UpdatedOct 12, 2026
Details
Balance: $150,000.00 or more
Rate History
No change since Oct 12, 2026 · 4.18% APY
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
220 Wynn Dr, Huntsville, AL 35893
Jumbo Certificate - 48 Months Fixed
$100,000
4.18%
▼
Rate4.10%
Min Deposit$100,000
UpdatedOct 12, 2026
Details
Compounding: dividend rate 4.10%, APY compounding 4.18%
Rate History
2 changes since Sep 14, 2026 · 3.97% → 4.18% ▲ 0.21 pts · high 4.18% / low 3.97%
- Oct 4, 20264.18%▲ from 4.07%
- Sep 18, 20264.07%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
522 ADAMS ST, HOBOKEN, NJ 07030 2002
48 month Share Certificate
$0
4.16%
▼
Rate4.10%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 16, 2026 · 3.34% → 4.16% ▲ 0.82 pts · high 4.16% / low 3.34%
- Oct 8, 20264.16%▲ from 3.34%
- Sep 16, 20263.34%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
48 Month IRA & Roth IRA Certificate
$0
4.15%
▼
Rate4.07%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Sep 27, 2026 · 4.15% APY · checked 3 times
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
474 Prospect Ave, West Orange, NJ 07052
48-Month Certificate of Deposit
$500
4.15%
▼
Rate—
Min Deposit$500
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Oct 8, 2026 · 4.15% APY · checked 2 times
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
40 Pine St, Stoneham, MA 02180 2048
48 month Certificate
$0
4.15%
▼
Rate4.07%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
- Oct 5, 20264.15%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
1627 Holland Rd, Maumee, OH 43537
IRA Certificates - 48-Month
$1,000
4.15%
▼
Rate4.07%
Min Deposit$1,000
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Sep 20, 20264.15%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
48-Month Certificate
$100
4.15%
▼
Rate4.07%
Min Deposit$100
UpdatedOct 9, 2026
Details
Minimum balance to open and earn APY (4.07% dividend rate): $100
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
48 Month Certificate
$2,500
4.15%
▼
Rate4.07%
Min Deposit$2,500
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
564 E 300 S, SALT LAKE CITY, UT 84102
48 Month Certificate
$0
4.15%
▼
Rate4.07%
Min Deposit$0
UpdatedOct 12, 2026
Details
Effective September 18, 2026; Early withdrawal penalty applies
Rate History
1 change since Sep 20, 2026 · 3.36% → 4.15% ▲ 0.79 pts · high 4.15% / low 3.36%
- Oct 12, 20264.15%▲ from 3.36%
- Sep 20, 20263.36%first recorded
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1316 Wilson Rd, Knoxville, TN 37912
48 Month CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
$0
4.15%
▼
Rate4.07%
Min Deposit$0
UpdatedOct 1, 2026
Details
Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
- Sep 27, 20264.15%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Summit Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
3306 N CLINTON ST, FORT WAYNE, IN 46805
4 Year Certificate
$0
4.15%
▼
Rate—
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
- Oct 5, 20264.15%▲ from 3.85%
- Sep 18, 20263.85%first recorded
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
4 Year CD
$0
4.15%
▼
Rate—
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
524 Main St, Hazard, KY 41701
CESA 4 YEAR
$100
4.15%
▼
Rate4.09%
Min Deposit$100
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 4.09% → 4.15% ▲ 0.06 pts · high 4.15% / low 4.09%
- Sep 24, 20264.15%▲ from 4.09%
- Sep 18, 20264.09%first recorded
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
3405 W 1987 S, Salt Lake City, UT 84104 4942
48 Month Regular & IRA Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
UpdatedOct 12, 2026
Details
Minimum Amount: $500.00; Source APR column shown as rate
Rate History
No change since Oct 12, 2026 · 4.15% APY
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
48 Month CD
$0
4.15%
▼
Rate4.09%
Min Deposit$0
UpdatedOct 12, 2026
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
601 Willard Dr, Green Bay, WI 54304
48 Month Share Certificate
$500
4.15%
▼
Rate4.07%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.15% APY
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
550 Main St, Cincinnati, OH 45202
48 Month Certificate
$0
4.15%
▼
Rate4.07%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
- Oct 5, 20264.15%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
48 Month CD
$0
4.15%
▼
Rate4.07%
Min Deposit$0
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Jumbo Individual Retirement Account Certificates - 48-month
$0
4.15%
▼
Rate4.09%
Min Deposit$0
UpdatedOct 9, 2026
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal. APY=Annual percentage yield. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield (APY) assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA.
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.15% ▲ 0.75 pts · high 4.15% / low 3.40%
- Oct 5, 20264.15%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
2929 3rd Ave N, Escanaba, MI 49829 4203
48 Month Certificate
$500
4.15%
▼
Rate—
Min Deposit$500
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Sep 16, 2026 · 4.15% APY · checked 5 times
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
4 year CD
$1,000
4.15%
▼
Rate4.07%
Min Deposit$1,000
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
48 Month Business Certificate Standard
$0
4.15%
▼
Rate—
Min Deposit$0
UpdatedOct 9, 2026
Details
ConnectMORE APY: 4.25%
Rate History
No change since Oct 9, 2026 · 4.15% APY
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
48 Month Certificates
$200,000
4.15%
▼
Rate4.09%
Min Deposit$200,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
- Sep 26, 20264.15%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
623 Elm St, Graham, TX 76450
48 Month Certificate
$1,000
4.15%
▼
Rate4.09%
Min Deposit$1,000
UpdatedOct 7, 2026
Details
Compounded: Quarterly; Credited: Quarterly
Rate History
No change since Sep 24, 2026 · 4.15% APY · checked 6 times
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
500 E 1400 N, Logan, UT 84341
48 Month Share Certificates
$0
4.15%
▼
Rate4.07%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 5, 2026 · 4.15% APY · checked 2 times
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
1610 Janesville Ave, Fort Atkinson, WI 53538
48-Month Certificate
$0
4.13%
▼
Rate4.07%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.13% ▲ 0.43 pts · high 4.13% / low 3.70%
- Oct 5, 20264.13%▲ from 3.70%
- Sep 14, 20263.70%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
48 Month IRA Jumbo
$100,000
4.13%
▼
Rate4.05%
Min Deposit$100,000
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
- Oct 10, 20264.13%▲ from 3.92%
- Sep 14, 20263.92%first recorded
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
48 Month IRA Certificate
$0
4.13%
▼
Rate4.05%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 6 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
48 Month Share Certificate
$0
4.13%
▼
Rate4.05%
Min Deposit$0
UpdatedOct 10, 2026
Details
Balance: $50,000-$99,999
Rate History
1 change since Sep 18, 2026 · 3.45% → 4.13% ▲ 0.68 pts · high 4.13% / low 3.45%
- Oct 6, 20264.13%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
4 Year Jumbo and Jumbo IRA Certificate
$100,000
4.13%
▼
Rate4.07%
Min Deposit$100,000
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.09% → 4.13% ▲ 0.04 pts · high 4.13% / low 4.09%
- Oct 10, 20264.13%▲ from 4.09%
- Sep 14, 20264.09%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
48 Month IRA Certificate
$0
4.13%
▼
Rate4.05%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 3 times
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
48 month CD
$500
4.10%
▼
Rate4.04%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.10% ▲ 0.70 pts · high 4.10% / low 3.40%
- Oct 9, 20264.10%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
48 Month CDs & IRA Certificates of Deposit
$0
4.10%
▼
Rate—
Min Deposit$0
UpdatedOct 10, 2026
Details
Balance: $100,000 +
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 10, 20264.10%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
555 Officenter Pl, Gahanna, OH 43230 5314
48 Month Certificate
$500
4.10%
▼
Rate—
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 9, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
935 5th Ave, Ford City, PA 16226
3 - 4 Year CD
$500
4.10%
▼
Rate3.96%
Min Deposit$500
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Oct 3, 2026 · 4.10% APY · checked 3 times
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
48 Month IRA Certificate
$250
4.10%
▼
Rate4.03%
Min Deposit$250
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
355 W Monument Ave, Dayton, OH 45402
48 Month Share Certificate of Deposit
$1,000
4.10%
▼
Rate4.03%
Min Deposit$1,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Oct 5, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 9, 20264.10%▲ from 4.00%
- Oct 5, 20264.00%first recorded
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
505 Earl Blvd, Miamisburg, OH 45342
IRA Certificate 48 months
$1,000
4.10%
▼
Rate4.02%
Min Deposit$1,000
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Oct 1, 2026 · 4.10% APY · checked 2 times
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 N Osage Blvd, Nevada, MO 64772
48 Month Certificate
$1,000
4.08%
▼
Rate4.00%
Min Deposit$1,000
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
No change since Oct 11, 2026 · 4.08% APY
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
502 Paris St, Castroville, TX 78009
4 Year Certificate of Deposit
$0
4.07%
▼
Rate4.00%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 24, 2026 · 3.04% → 4.07% ▲ 1.03 pts · high 4.07% / low 3.04%
- Sep 28, 20264.07%▲ from 3.04%
- Sep 24, 20263.04%first recorded
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
73 Main St, Dexter, ME 04930
48 Month IRA Certificates
$500
4.07%
▼
Rate4.00%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 4 times
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
48 Month Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
UpdatedOct 9, 2026
Details
Balance: $100,000 +
Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 4 times
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
4,865
48-Month CD Rates
Tracked Nationwide
Tracked Nationwide
2,531 Institutions
About Our 48-Month CD Rate Database
MonitorBankRates tracks 4,865 48-month CD rates from 2,531 institutions across the United States. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Toyota Financial Savings Bank offers a 48-month CD at 5.10% APY with a minimum deposit of $0. Use the rate table above to compare all current offers.
48-Month CD Rate Trend
Daily national average APY for 48-month CDs
Daily averages compiled from our database of 8,500+ banks and credit unions — updated daily.
48-Month CD — National Avg
2.802%
▲ 0.030 vs 7 days ago
National 48-month CD rates rose 0.030 points over the past 7 days to 2.802% APY, up from 2.772% 7 days ago.
Powered by
MonitorBankRates
48-Month CD Rate Forecast — Next 12 Months
Where are 48-month CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
Current Avg APY
2.802%
6-Month Forecast
2.802%
Range: 2.60% – 2.95%
12-Month Forecast
2.552%
Range: 2.35% – 2.70%
Powered by
MonitorBankRates
CD Calculators
48-Month CD Calculator
Enter any deposit amount to see exactly how much interest you earn at the end of your 48-month term at today’s top APY.
CD Ladder with 48 months RungA 4-year CD anchors the long end of a CD ladder. See how pairing it with 12 and 24-month CDs gives you periodic access while maximizing yield on a portion of savings.
Early Withdrawal Penalty48-month CDs typically carry a 270–365 days interest penalty for early access. Calculate your actual net return if you need funds before maturity.
48-Month CD vs. High-Yield Savings4-year CD rates offer one of the highest fixed yields available. Compare to savings accounts to quantify exactly how much more a 48-month commitment earns over the same period.
How to Find the Best 48-Month CD Rates
What to compare when shopping for a 48-month CD
To find the best APYs on a 48-month CD, start with credit unions and online-only banks — they consistently offer the highest yields because they have lower overhead than traditional brick-and-mortar banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn. A CD advertised at 4.75% interest compounding monthly is worth more than one at 4.80% compounding annually.
Also compare the early withdrawal penalty. On a 48-month CD, common penalties range from 30 to 90 days of interest. If you’re unsure whether you’ll need the funds early, a penalty-free no-penalty CD or a high-yield savings account may be a better fit.
When a 48-Month CD Makes Sense
- You have a planned purchase or expense in ~48 months and want to earn while you wait
- You expect interest rates to fall and want to lock in today’s rate short-term
- You want to secure a high fixed rate for 4 years without committing to a full 5-year term
- You want FDIC/NCUA protection with a guaranteed fixed return
Consider an Alternative If…
- You may need funds before 3 months → High-yield savings
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing or debit access → Money market account
48-Month CD vs. Other Savings Options
| Feature | 48-Month CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked 48 months | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (30–90 days interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known near-term goal, CD ladder start | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
60-Month CD FAQs
What is a 48-Month (4-Year) Certificate of Deposit?
A 48-month CD is a savings account that holds a fixed amount of money for four years. In exchange for that commitment, banks typically offer higher fixed interest rates than shorter-term CDs.
Are 4-year CD rates higher than shorter-term CDs?
In a normal yield curve environment, yes 4-year CDs typically offer the highest rates among standard CD terms. In an inverted yield curve, shorter terms can sometimes match or exceed 5-year yields, so always compare current offers.
Is my money safe in a 48-month CD?
Yes. CDs at FDIC-insured banks or NCUA-insured credit unions are insured up to $250,000 per depositor, per institution. Your principal is fully protected up to that limit.
What happens if I withdraw money from a 4-year CD early?
Early withdrawal penalties on 48-month CDs are typically the steepest of any term often 12 months or more of earned interest. Review the penalty schedule carefully before committing to a 5-year term.
What is APY and why does it especially matter for a 4-year CD?
APY (Annual Percentage Yield) accounts for compounding and reflects the true annual return. Over a 5-year term, even a 0.10% APY difference compounds into a meaningful difference in total earnings on larger deposits.
Is locking in a 4-year CD rate a good strategy when rates are high?
Many financial advisors recommend locking in a long-term CD when rates are near cyclical highs. If the Federal Reserve cuts rates in the future, a 4-year CD lets you continue earning your locked-in rate while new savers see lower yields.
How can I use a 48-month CD in a CD ladder?
A 48-month CD anchors the longer end of a CD ladder. Combine it with 12 and 24-month CDs so you have a maturing CD every 1-2 years. When shorter rungs mature, reinvest into new 48-month CDs to keep the ladder rolling while maintaining access to a portion of savings.
Is a 48-month CD better than a 36-month CD?
A 48-month CD typically offers a higher APY than a 36-month CD in exchange for locking in one extra year. It makes the most sense when rates are expected to fall \u2014 securing today's rate for 4 years protects your yield. If you're uncertain about the rate outlook, a 36-month CD offers nearly as much yield with one fewer year of commitment.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate 48-month CD rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology. By pulling data straight from the institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available 4-year CD yields across the country. We feature a comprehensive mix of financial institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly based on Federal Reserve policy and market conditions, every CD product listed features its own specific “last updated” date for full transparency.
Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you deposit with secure, reliable institutions.
Disclaimer: Interest rates are variable and subject to change without notice. It is always advisable to verify current offers directly with the institution’s official website. Last Updated and Verified: October 12, 2026
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